The following data is compiled to give a snapshot of Digital financial services and digital connectivity at the country level. The data is derived from publicly available sources which provide a basis for comparability across countries. Sources, indicator descriptions and availability of data points are noted for each indicator. Data updates are expected annually to reflect changes in indicators from source datasets. In many cases, there may be alternate sources available (e.g. country level surveys) which may be utilized to aid specific policy and regulatory reforms.



Digital Financial Services
- % of adults (age 15+), 2024
Year: 2024
DescriptionPercentage of adults (age 15+) who have only a mobile money account; have both an account at a bank or similar financial institution and a mobile money account; or have only an account at a bank account or similar financial institution.
Data availability141 countries
Source
- % of adults (age 15+), 2024
Year: 2024
DescriptionFormal saving: Percentage of adults (age 15+) who saved any money in a bank or similiar financial institution or a mobile money account.
Formal borrowing: Percentage of adults (age 15+) who borrowed any money from a bank or similiar financial institution or through a credit card or mobile money account.
Digital payments: Percentage of adults (age 15+) who used mobile money, a debit or credit card, or a mobile phone to make a payment from an account—or report using the internet to pay bills or to buy something online or in a store—in the past year.
Data availability98 countries
Source
Note: The length of the bar is total account ownership
Digital Financial Services
- % of adults (age 15+)Description
Account ownership: Percentage of adults (age 15+) who have an account at a bank or similar financial institution, or who used a mobile money service in the past year.
Digital payments: Percentage of adults (age 15+) who used mobile money, a debit or credit card, or a mobile phone to make a payment from an account—or report using the internet to pay bills or to buy something online or in a store—in the past year.
Data availabilityAccount ownership: 141 countries
Digital payments: 98 countries
Source
- % of adults (age 15+)Description
Account ownership: Percentage of adults (age 15+) who have an account at a bank or similar financial institution, or who used a mobile money service in the past year.
Digital payments: Percentage of adults (age 15+) who used mobile money, a debit or credit card, or a mobile phone to make a payment from an account—or report using the internet to pay bills or to buy something online or in a store—in the past year.
Data availabilityAccount ownership: 141 countries
Digital payments: 98 countries
Source
- % of adults (age 15+), 2024
Year: 2024
DescriptionPrivate sector wage payment: Percentage of adults (age 15+) who report being employed in the private sector and receiving any money from their employer in the past year in the form of a salary or wages for doing work.
Government payment: Percentage of adults (age 15+) who report personally receiving any payment from the government (government transfers, public sector pension, or public sector wages) in the past year.
Data availability90 countries
Source
- % of adults (age 15+), 2024
Year: 2024
DescriptionUse a card or phone for in-store payments: Percentage of adults (age 15+) who used a card or phone for in-store payments in the last 12 months.
Pay bills online: Percentage of adults (age 15+) who used a mobile phone or computer to pay a bill in the last 12 months.
Purchase goods online using digital payment method: Percentage of adults (age 15+) who used a mobile phone or computer to buy something online that was delivered in the last 12 months.
Data availability98 countries
Source
- % of adults (age 15+), 2024
Year: 2024
DescriptionPercentage of adults (age 15+) who could cover expenses using savings, borrowing, selling items, seeking help from family or friends, or other methods, if their household lost its main income source for: less than two weeks, about one month, about two months, or more than two months.
Data availability98 countries
Source
Digital Connectivity
- (1 to 100)
Year: 2024
DescriptionThis Index measures a country's performance against key enablers of mobile internet adoption: infrastructure, affordability, consumer readiness, and content and services. A higher score is associated with environments that better enable mobile internet connectivity.
Data availability173 countries
Source
- Digital uses% of adults (age 15+), 2024Used social media
Year: 2024
DescriptionPercentage of adults (age 15+) who used social media on a mobile phone, computer, or other connected device in the past three months.
Data availability75 countries
SourceAccessed government services or information onlineYear: 2024
DescriptionPercentage of adults (age 15+) who accessed government services or searched for government information online in the past three months.
Data availability75 countries
SourceEarned money using an app or websiteYear: 2024
DescriptionPercentage of adults (age 15+) who used apps or websites to earn money; for example, by selling goods or services online in the past three months.
Data availability75 countries
SourceAccessed learning, training or educational information onlineYear: 2024
DescriptionPercentage of adults (age 15+) who accessed information online to learn, train, or educate themselves in the past three months.
Data availability75 countries
Source
INDICATOR | SOURCE |
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Population | |
Adult population without an account Percentage of adults who do not have an account, extrapolated to the total adult population. This extrapolation assumes a representative sample survey and has margin of error. | |
Account Ownership Percentage of adults (age 15+) who have an account at a bank or similar financial institution, or who used a mobile money service in the past year. | |
Account ownership by type Percentage of adults (age 15+) who have only a mobile money account; have both an account at a bank or similar financial institution and a mobile money account; or have only an account at a bank account or similar financial institution. | |
Formal saving, borrowing, and payments Formal saving: Percentage of adults (age 15+) who saved any money in a bank or similiar financial institution or a mobile money account. Formal borrowing: Percentage of adults (age 15+) who borrowed any money from a bank or similiar financial institution or through a credit card or mobile money account. Digital payments: Percentage of adults (age 15+) who used mobile money, a debit or credit card, or a mobile phone to make a payment from an account—or report using the internet to pay bills or to buy something online or in a store—in the past year. | |
Digital accounts Percentage of adults (age 15+) who have a digitally enabled account, which includes owning a mobile money account, or using a bank or similar account to make a payment with a card or their phone. | |
By gender Account ownership: Percentage of adults (age 15+) who have an account at a bank or similar financial institution, or who used a mobile money service in the past year. Digital payments: Percentage of adults (age 15+) who used mobile money, a debit or credit card, or a mobile phone to make a payment from an account—or report using the internet to pay bills or to buy something online or in a store—in the past year. | |
By income Account ownership: Percentage of adults (age 15+) who have an account at a bank or similar financial institution, or who used a mobile money service in the past year. Digital payments: Percentage of adults (age 15+) who used mobile money, a debit or credit card, or a mobile phone to make a payment from an account—or report using the internet to pay bills or to buy something online or in a store—in the past year. | |
Payments into accounts Private sector wage payment: Percentage of adults (age 15+) who report being employed in the private sector and receiving any money from their employer in the past year in the form of a salary or wages for doing work. Government payment: Percentage of adults (age 15+) who report personally receiving any payment from the government (government transfers, public sector pension, or public sector wages) in the past year. | |
Digital payments Use a card or phone for in-store payments: Percentage of adults (age 15+) who used a card or phone for in-store payments in the last 12 months. Pay bills online: Percentage of adults (age 15+) who used a mobile phone or computer to pay a bill in the last 12 months. Purchase goods online using digital payment method: Percentage of adults (age 15+) who used a mobile phone or computer to buy something online that was delivered in the last 12 months. | |
Impact of natural disasters or severe weather events Percentage of adults (age 15+) who experienced a natural disaster or severe weather event in the past three years and reported income loss or saw damage to their home or livestock. | |
How long could a household cover its expenses after losing its main income source? Percentage of adults (age 15+) who could cover expenses using savings, borrowing, selling items, seeking help from family or friends, or other methods, if their household lost its main income source for: less than two weeks, about one month, about two months, or more than two months. | |
Phone ownership and types Percentage of adults (age 15+) who own a mobile phone, categorized by types of mobile phones: smart phone, basic text phone, or feature phone. (Feature phones allow Whatsapp use.) | |
Phone password usage Percentage of adults (age 15+) who have a lock, such as PIN, password, or fingerprint, on their mobile phone. | |
Broadband coverage, by cellular signal strength The values for 2G, 3G, and 4G networks show the incremental percentage of the population that is not covered by a more advanced technology network. | |
Used the internet in the past 3 months Percentage of adults (age 15+) who used the internet in the past three months on a mobile phone, computer, or some other network-enabled device. | |
Frequency of internet use Percentage of adults (age 15+) who reported frequency of internet use: daily, weekly, monthly, less than once a month, or never. | |
Index of mobile infrastructure enablement This Index measures a country's performance against key enablers of mobile internet adoption: infrastructure, affordability, consumer readiness, and content and services. A higher score is associated with environments that better enable mobile internet connectivity. | |
Used social media Percentage of adults (age 15+) who used social media on a mobile phone, computer, or other connected device in the past three months. | |
Accessed government services or information online Percentage of adults (age 15+) who accessed government services or searched for government information online in the past three months. | |
Earned money using an app or website Percentage of adults (age 15+) who used apps or websites to earn money; for example, by selling goods or services online in the past three months. | |
Accessed learning, training or educational information online Percentage of adults (age 15+) who accessed information online to learn, train, or educate themselves in the past three months. |